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An independent financial platform on which all existing financial systems will be built, payments, payments for various services, transfer of funds between different accounts of different banks with a minimum commission within the EWM network. Such banks have already taken part in the project: Barclays, Credit Suisse, Canadian Imperial Bank of Commerce, HSBC, MUFG and State Street. The bank system and the EWM network interacts through the USC "utility settlement coin". The first of this kind decentralized stock exchange with the ability to convert digital assets to fiat money and vice versa.